Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives

Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives

Many health economists recommend that employers provide employees with a risk-adjusted choice among competing health insurance plans. However, formal risk adjustment is rarely if ever used by employers. This paper examines a range of health benefit design options available to employers, focusing att...

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Bibliographic Details
Main Authors: William E. Encinosa, Thomas M. Selden
Format: Article
Language:English
Published: SAGE Publishing 2001-08-01
Series:Inquiry: The Journal of Health Care Organization, Provision, and Financing
Online Access:https://doi.org/10.5034/inquiryjrnl_38.3.270
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spelling doaj-bdf0fcbb322c4180876ad357ab11c6812020-11-25T03:24:03ZengSAGE PublishingInquiry: The Journal of Health Care Organization, Provision, and Financing0046-95802001-08-013810.5034/inquiryjrnl_38.3.270Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its AlternativesWilliam E. EncinosaThomas M. SeldenMany health economists recommend that employers provide employees with a risk-adjusted choice among competing health insurance plans. However, formal risk adjustment is rarely if ever used by employers. This paper examines a range of health benefit design options available to employers, focusing attention not only on risk adjustment but also on its alternatives. We argue that while formal risk adjustment is rare, employers commonly use strategies that accomplish some of the same objectives at less cost.https://doi.org/10.5034/inquiryjrnl_38.3.270
collection DOAJ
language English
format Article
sources DOAJ
author William E. Encinosa
Thomas M. Selden
spellingShingle William E. Encinosa
Thomas M. Selden
Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
Inquiry: The Journal of Health Care Organization, Provision, and Financing
author_facet William E. Encinosa
Thomas M. Selden
author_sort William E. Encinosa
title Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
title_short Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
title_full Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
title_fullStr Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
title_full_unstemmed Designing Employer Health Benefits for a Heterogeneous Workforce: Risk Adjustment and its Alternatives
title_sort designing employer health benefits for a heterogeneous workforce: risk adjustment and its alternatives
publisher SAGE Publishing
series Inquiry: The Journal of Health Care Organization, Provision, and Financing
issn 0046-9580
publishDate 2001-08-01
description Many health economists recommend that employers provide employees with a risk-adjusted choice among competing health insurance plans. However, formal risk adjustment is rarely if ever used by employers. This paper examines a range of health benefit design options available to employers, focusing attention not only on risk adjustment but also on its alternatives. We argue that while formal risk adjustment is rare, employers commonly use strategies that accomplish some of the same objectives at less cost.
url https://doi.org/10.5034/inquiryjrnl_38.3.270
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AT thomasmselden designingemployerhealthbenefitsforaheterogeneousworkforceriskadjustmentanditsalternatives
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